Real couples rarely work that way. Some things are shared, some stay personal, and both are legitimate. Halfway is the only forecast that starts from that instead of pretending otherwise.
Just me
Your own money, on its own. Nothing shared, nothing merged.
Me and our shared life
Your personal finances plus everything you share. The honest picture of your side of the household.
Us
Both of you, in full. Needs both partners to opt in, because a joint plan should be a joint decision.
A forecast never exposes your partner's personal accounts. The same privacy rules apply here as everywhere else in Halfway.
How it works
Your first forecast is already waiting
We start from what you have
Balances, what you own and owe, your income and a year of real spending. No blank page, no data entry marathon.
You answer a few questions
Your age, when you would like to stop working, and who the plan covers. That is the whole setup.
You get your curve
Net worth projected year by year, with the assumptions behind it visible and yours to change.
Life events
Watch the line move
Add a decision to the timeline and see what it costs you, or does not. The point is not the number at the end. It is the difference between two versions of your life.
Buy a home
Have a kid
Change jobs
Kid starts college
Retire
A one-off cost
Net worth today$325,472$325K
Projected at 90$1,240,056$1.2M+$914,584+$915K
Buy a home Have a kid Change jobs Retire
TodayAge 40Age 55Age 70Age 90
An example of what a forecast looks like. Connect an account or add what you own, and it runs on your real numbers.
We show you a range, not a promise
Nobody can tell you exactly what your net worth will be in 2056, and we would rather show you something useful than something certain. So instead of one confident number, you get a range: the cautious path, the likely one, and the good one.
Every assumption behind those paths is right there on screen, and every one of them is yours to set. Expecting a raise, planning to save harder, taking a more cautious view of the markets? Put your own numbers in and watch the whole picture update.
Forecasting is an educational tool. It is not investment, tax, legal or financial advice.
Questions
Which plan is forecasting on?
Forecasting is part of Plus, or Premium in the US and Canada. One subscription covers both partners, so you and your partner share it rather than paying twice. Everything else you need day to day stays free: unlimited transactions, fair splitting, budgets and goals. If you were already using forecasting before it moved to a paid plan, you keep it.
How is this different from a retirement calculator?
A calculator asks you to type in every number. Halfway already has your balances, what you own and owe, your income and a year of real spending, so your first projection is waiting for you after a few questions. It also updates as your actual finances change.
Does it work if my partner and I keep our money separate?
That is what it was built for. You can project just yourself, yourself plus your shared life, or both of you together. Most tools assume one shared pot. Halfway does not.
Will my partner see my personal accounts?
No. A forecast follows the same privacy rules as the rest of Halfway. Your personal accounts stay yours, and the joint projection covering both of you in full requires both partners to opt in.
How accurate is it?
It is an estimate, not a prediction. You get a range rather than one confident number, and every assumption behind it is visible and adjustable. Small changes in assumptions produce very different results over decades, which is exactly why we show the range.
Is this financial advice?
No. Forecasting is an educational tool. It is not investment, tax, legal or financial advice, and it is not a recommendation. Talk to a qualified professional about your own situation.
See where you are headed
Connect an account or add what you own, and your projection fills in.
